TESCO BANK CREDIT CARD - MANAGING ACCOUNT FROM A WINDOWS DESKTOP PC

arclight

arclight

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In case anyone wonders why I am seeking help on here it is because getting advice by telephone is about as easy as poking butter up a porcupines jacksie with a red hot needle.

I have arranged to get a Tescobank CC. It is in the post according to Tesco. The account has been set up, I believe. I have the necessary security info to login and, according to todays email from Tesco, it only remains to register the new card when it arrives.

All the bumf refers to registering the card using the Tesco App because that is the easiest way - they say ! No mention is made of how to proceed if you don't use a smart phone.

I am one of those neanderthals who finds sitting on a comfortable chair at a desk with a full size keyboard and mouse whilst looking at a 24" monitor is always going to beat fiddling about with a one handed phone.

Would some kind soul who happens upon this post please tell me that I will be able to make online purchases (that will be the sole use of the Tescobank CC) and manage my account just as I do with my RBS Mastercard using only my W11 desktop.

Thank you all in advance.
 
I think you have to activate it before you can use it. Is there an option to activate the card by phone?

I do it by phone as it's easier than getting the computer out, firing it up and going on line. With mine I don't actually talk to anyone.

Just googled activating a Tesco cc...

community.tescobank.com

Tesco Bank Community

Welcome to the community
community.tescobank.com

"Alternatively, you can call us to activate your card. You will be asked to enter your 16 digit credit card number so please have this ready. If you’ve already registered for Online Banking you will also need to enter selected digits from your Security Number. If there are additional card holders on the account then this will also activate their cards.

Our telephone number is 0345 300 4278* (Minicom 0345 671 0676*)."

I hope that helps.
 
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You'll need to register for online banking, once you've done that, you can do everything you can do using the smartphone app, I've had a Tesco CC for many years, although it doesn't really gets used.

Online Banking - Tesco Bank

Online Banking from Tesco Bank - the easy way to manage your current account, credit card, savings and loans accounts, any time, any place.
www.tescobank.com www.tescobank.com
 
arclight said:
Would some kind soul who happens upon this post please tell me that I will be able to make online purchases (that will be the sole use of the Tescobank CC) and manage my account just as I do with my RBS Mastercard using only my W11 desktop.
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That's exactly how I do it, have done it for years, despite the fact they keep telling me I need the app.
 
Cobra said:
That's exactly how I do it, have done it for years, despite the fact they keep telling me I need the app.
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It's unfortunate but too many support lines are run by people with inadequate training and too little knowledge of the products.

It costs money to train people thoroughly, It costs money to manage them properly and it costs money to retain the good ones. Because spending that money detracts from management salaries and shareholder dividends, it is seldom spent and support is, as a consequence, too often useless or non existent.

Of course, anyone who's read a few hundred CVs is well aware that all applicants for management roles have made vast improvements at their previous employment and been part of wonderful and successful teams. :thinking:
 
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AndrewFlannigan said:
It's unfortunate but too many support lines are run by people with inadequate training and too little knowledge of the products.
Click to expand...
I have to agree, I've had a couple of run-ins with their support recently, to personal to explain,
but the up shot of that was, I hardly ever use that one any more.
 
arclight said:
Would some kind soul who happens upon this post please tell me that I will be able to make online purchases (that will be the sole use of the Tescobank CC) and manage my account just as I do with my RBS Mastercard using only my W11 desktop.
Click to expand...

I do exactly the same, use it inline and pay in full every month. Don't use phone banking for my main account or the Tesco CC do that all through inline banking.
Once you signed up/registered it's easy
 
Good luck - My (former) Tesco CC remains the only one where I have ever had fraudulent transactions (all around the Ipanema area in Brazil). Multiple times, despite 3 changes of card number (and from Visa to Mastercard)

All resolved eventually but what a pain in the hole.
 
I ignore all the pressure to use a phone App; there is no sensitive data on my phone. I use my PC for everything and recently activated a new credit card with no problem. I had already set up and on-line account with the company so just logged in and activated when the card arrived. I have 3 different credit cards now though have more or less stopped using one of them now. You cannot normally use them contactless until you have used them with the PIN at least once. So used the PIN to buy some petrol and used the card contactless for my next purchase. There seems to me a much greater risk using a phone for financial stuff; it could be stolen or just left somewhere.

Dave
 
I do think that people are unduly nervous of mobile phone security nowadays. When I pay using Apple Pay it is a more secure transaction than paying using my physical card.
My app allows me to turn on and off all payment features as it suits me, cancel and replace my card (and use the replacement card before it has even turned up), and instantly notify me of all debits and credits.
No one can log into my account on a different phone or tablet because they would have to record an account access video which will show that they are not me.
 
AndrewFlannigan said:
It's unfortunate but too many support lines are run by people with inadequate training and too little knowledge of the products.

It costs money to train people thoroughly, It costs money to manage them properly and it costs money to retain the good ones. Because spending that money detracts from management salaries and shareholder dividends, it is seldom spent and support is, as a consequence, too often useless or non existent.

Of course, anyone who's read a few hundred CVs is well aware that all applicants for management roles have made vast improvements at their previous employment and been part of wonderful and successful teams. :thinking:
Click to expand...

Yes, there is a swarm of people now who know all the buzz words, but can explain little.
We are deafened by people who love to throw about the term "App". Ask them what an App is and observe the puzzled expression on their faces as they struggle.
 
I had to go to my mothers bank to cancel her account after she passed away, as I was leaving with the relevant information the bank worker asked “ do you have the banks app on your phone? You can do it that way!” I asked, “how do I pass the death certificate and copy of the will via an app? Cue the blank expression. They walk amongst us. Unless she was looking for bank bonus points for getting someone to sign up to the app.
 
mj4456 said:
I had to go to my mothers bank to cancel her account after she passed away, as I was leaving with the relevant information the bank worker asked “ do you have the banks app on your phone? You can do it that way!” I asked, “how do I pass the death certificate and copy of the will via an app? Cue the blank expression. They walk amongst us. Unless she was looking for bank bonus points for getting someone to sign up to the app.
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I’m not being facetious, but there are bank apps that you can do that with.
Take an image of the documents, upload them as attachments via the live chat function.
 
That might have been a help if I’d been told that at the bank at the time, but since I was closing the account the less I had to do with the bank the better. All done now, they scanned the documents, asked where I wanted the funds sent to( not pleased it wasn’t an RBS account) and that was that.
 
mj4456 said:
That might have been a help if I’d been told that at the bank at the time, but since I was closing the account the less I had to do with the bank the better. All done now, they scanned the documents, asked where I wanted the funds sent to( not pleased it wasn’t an RBS account) and that was that.
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The “They walk amongst us” was very unfair.
Times are changing. Banks are changing. The ongoing reduction in the number of bank branches means how we communicate with banks is changing.
The functionality of some banks apps is incredible. The “high street” banks are really being left behind.
 
Ricardodaforce said:
The “high street” banks are really being left behind.
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I still have a high street bank.
I like to be able to walk in, look someone in the eye and discuss what ever,
and not have to phone up, in the hope I get someone in this country, not some far and distant land, that is barely legible, that is most likely reading from a script.
 
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Cobra said:
I still have a high street bank.
I like to be able to walk in, look someone in the eye and discuss what ever,
and not have to phone up, in the hope I get someone in this country, not some far and distant land, that is barely legible, that is most likely reading from a script.
Click to expand...

My point was that the “traditional” banks are closing branches as quick as they can.
You’ll be pleased to know that the fastest growing “challenger” bank in the U.K. only has U.K. call-centres, no “press 1 for….” System, and no one has a script.
Just because things are changing, doesn’t mean it’s bad.
 
Ricardodaforce said:
Just because things are changing, doesn’t mean it’s bad.
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Time will tell, I guess.
That's not to say that I don't use internet banking, but only on one device that never leaves the house.
 
Cobra said:
Time will tell, I guess.
That's not to say that I don't use internet banking, but only on one device that never leaves the house.
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That's what I do.
My bank uses voice recognition that quickly connects me to a robot that provides every assistance short of actually being of help. I just say to the robot " I wish to speak to a human immediately". If need be I will tell the robot "Code word GAFMO applies".
 
arclight said:
That's what I do.
My bank uses voice recognition that quickly connects me to a robot that provides every assistance short of actually being of help. I just say to the robot " I wish to speak to a human immediately". If need be I will tell the robot "Code word GAFMO applies".
Click to expand...

You could always move to a bank that provides better customer care. Using the Current Account Switching Service makes the process very easy these days.
 
Internet banking is all good for some jobs but can’t provide me cash for my pocket, bought a 60p bulb for my car, paid cash, using a card would have meant the retailer would have broken even, or lost money due to card charges, is that fair.
 
mj4456 said:
Internet banking is all good for some jobs but can’t provide me cash for my pocket, bought a 60p bulb for my car, paid cash, using a card would have meant the retailer would have broken even, or lost money due to card charges, is that fair.
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I‘ll be honest, the longevity of the retailer isn’t on my radar. A 60p card transaction for me is rounded up so that 40p automatically goes into my savings space.
All of those round-ups quickly add up.
 
Ricardodaforce said:
I‘ll be honest, the longevity of the retailer isn’t on my radar. A 60p card transaction for me is rounded up so that 40p automatically goes into my savings space.
All of those round-ups quickly add up.
Click to expand...
So when the retailer is gone, where will I get another bulb or whatever, wait days to get it from online? I avoid shopping online, much prefer the social interaction, and immediate delivery.
 
mj4456 said:
So when the retailer is gone, where will I get another bulb or whatever, wait days to get it from online? I avoid shopping online, much prefer the social interaction, and immediate delivery.
Click to expand...

I was actually talking about my life, not yours. We obviously have different views.
 
Central Bank Digital Currency is coming and it is IMO a very bad thing. You only have to look at the abuse of banking access to control citizen dissent to see where this can go. Anything from criticising the gov on social media to buying too many biscuits could lead to transactions being limited or completely stopped.
 
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